The content is accurate at the time of publication and is subject to change.

Since you are just starting your credit history, you should carefully choose your first credit card. As a rule, people with no credit are recommended to apply for a secured credit card. Today, it is possible to find secured cards with low fees, interest rates or with rewards. Secured credit cards with rewards are quite rare nowadays, so if you see such an offer, you may want to get it. Another important thing about secured credit cards is reporting to the major credit bureaus. Most secured cards report to all three major credit bureaus monthly, so you will be able to build your credit history quite fast. Also, cards may give access to your FICO score for free and may allow upgrades to an unsecured card.

tags : Credit Score Hotel Rewards No Credit Rewards Program

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.